It’s worth noting, first of all, that black and Hispanic college students are more likely to have to borrow to pay for a college education and that they end up having to borrow more money to cover college costs. A study from Demos analyzing federal data found that 86 percent of black students and 87 percent of Hispanic students got loans to attend private universities, compared to 72 percent of whites. (At public universities, 81 percent of black students got loans to 61 percent of whites.) A 2016 study found that low- and middle-income black students ended up accruing $7,721 more in education debt than whites from the same income brackets. [...]